NOTICE OF ACCELERATION AND NOTICE OF TRUSTEE' S SALE Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving on active military duty, including active military duty as a member of the Texas National Guard or the National Guard of another state or as a member of a reserve component of the armed forces of the United States, please send written notice of the active duty military service to the sender of this notice immediately. DEED OF TRUST INFORMATION: Date: October 19, 2020 Grantor(s): Jeffrey L. Howard and Debbie A.Howard, Husband and Wife Original Mortgage Electronic Registration Systems, Inc., as nominee for Aspire Financial Mortgagee: Inc. dba Texaslending. com Original Principal: $ 309,969.00 Recording 20201026001866510 Information: Property County: Collin Property: LOT 33 IN BLOCK H OF FINAL PLAT WEST CROSSING PHASE 1, AN ADDITION TO THE CITY OF ANNA, COLLIN COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN VOLUME 2006, PAGE 22, PLATRECORDS COLLIN COUNTY,TEXAS PropertyAddress: 236 Birdbrook Drive Anna, TX 75409 MORTGAGE SERVICING INFORMATION: TheMortgage Servicer,ifnotthe CurrentMortgagee, isrepresenting the CurrentMortgagee pursuant to a Mortgage. Servicing Agreement. CurrentMortgagee: NewRezLLC d/b/a Shellpoint Mortgage Servicing Mortgage Servicer: Shellpoint Mortgage Servicing Mortgage Servicer 75 Beattie Place Address: Greenville, SC 29601 r- n 71 cy SALE INFORMATION: La Date of Sale: October 6, 2026 Time of Sale: 10:00AM orwithin three hours thereafter. Place of Sale: The front steps of the Collin County Courthouse located at 2 0) loomdag Road, McKinney, Texas 75071, or if the preceding area is no longereilesignaterd area, atthe area most recently designated by the County Commissioner' s Court: Substitute Agency Sales and Posting, LLC, and Padgett Law Group, any to act Trustee: Substitute 546 Silicon Dr., Suite 103, Southlake, TX 76092 Trustee Address: FITS 3603 PLG File Number: 25-015672-4 1APPOINTMENT OF SUBSTITUTE TRUSTEE: THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE( S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN THIS NOTICE OF SALE THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE ORMORTGAGE SERVICER. The undersigned is the attorney for the mortgagee and/or mortgage servicer, and in such capacity does hereby remove the original trustee and all successor substitute trustees underthe above-described Deed ofTrust and appoints in their place, any to act, those substitute trustees identified in the SALE INFORMATION section of this notice, whose address is do Padgett. Law Group, 546 Silicon Dr., Suite 103, Southlake, TX 76092 as Substitute Trustee, who shall hereafter exercise all powers and duties to set aside the said original trustee under said Deed of Trust, and further does hereby request, authorize, and instruct said Substitute Trustees to conduct and direct the execution of remedies set aside to the beneficiary therein. WHEREAS, the above-named Grantor(s) previously conveyed the above-described property in trust to secure payment of the Note set forth in the above- described Deed of Trust; and WHEREAS, a default under the Note and Deed of Trust was declared, such default was reported to not have been cured, and all sums secured by such Deed ofTrust are declared immediately due and payable. WHEREAS, the original Trustee and any previously appointed Substitute Trustee under said Deed of Trust has been hereby removed and the herein described Substitute Trustees, have been appointed as Substitute Trustees and authorized by the Mortgage Servicer to enforce the power of sale granted in the Deed of Trust; and WHEREAS, the undersigned law firm has been requested to provide these notices on behalf of the Current Mortgagee, Mortgage Servicer and Substitute Trustees; NOW,THEREFORE, NOTICE IS HEREBY GIVEN of the foregoing matters and that: 1. The maturity of the Note is hereby accelerated, and all sums secured by the Deed of Trust are declared to be immediately due and payable. 2. The herein appointed Substitute Trustees, any to act, as Substitute Trustee will sell the Property to the highest bidder for cash on the date, at the place, and no earlier than the time set forth above in the Sale Information section of this notice. The sale will begin within three hours after that time. 3. The Financial Crimes Enforcement Network (" FinCEN"), a bureau of the U.S. Department of Treasury, now requires the collection, certification and reporting ofcertain information relating to non-financed transfers ofreal property to legal entities and/or trusts, which such information the successful bidder(s) shall be expected to provide to the auctioneer at the time ofthe subject sale. Interested bidders with questions regarding the necessary information to be provided are hereby directed, generally, to FinCEN's website and, more specifically to the FinCEN Real Estate Report located in the forms bank thereof. 4. This sale shall be subject to any legal impediments to the sale of the Property to any exceptions referenced in the Deed of Trust or appearing of record to the extent the same are still in effect and shall not cover anyproperty thathas been released from the lienimposed bythe Deed ofTrust. 5. No warranties, express or implied, including but not limited to the implied warranties of merchantability and fitness for the particular purpose shall be conveyed at the sale, save and except the Grantor's warranties specifically authorized by the Grantor in the Deed of Trust. The property shall be sold " AS-IS", purchaser's will buy the property "at the purchaser's own risk" and " at his peril" and no representation is made concerning the quality or nature of title to be acquired. Purchasers will receive whatever interest Grantor and Grantor' s assigns have in the property, subject to any liens or interest of any kind that may survive the sale. Interested persons are encouraged to consult counsel oftheir choice prior to participating in the sale ofthe property. 6. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of PLG File Number: 25- 015672-4 2the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, the Mortgagee' sAttorney, or the duly appointed Substitute Trustee. 12Y1/ U4- Padgett Law Group, LLC CERTIFICATE OFPOSTING Jeff Benton My name is and my address is c/o Padgett Law Group, 546 Silicon Dr., Suite 103, Southlake, TX 76092. I declare under penalty of perjury that on 8/13/26 I filed at the office ofthe Collin County Clerk to be posted at the Collin County courthouse this notice of sale. APP JeffBenton Declarant' s Name: 8/13/26 Date: Padgett Law Group 546 Silicon Dr., Suite 103, Southlake, TX 76092 850) 422- 2520 WITNESS MY HAND this 13th day of August 2026 . 6VC& Ysarv% PLG File Number: 25-015672- 4 3